Variable rate current as of 08/11/2014 and subject to change at any time.
Fees may reduce earnings.
*Customer purchases checks.

Personal Savings

Account Type

Minimum Deposit to Open

Balance to Obtain Annual Percentage Yield

Interest Rate

APY*

Compounding

Premier Personal Savings

$10,000

$100,000 & above$99,999-$50,000$49,999 - $10,000$9,999 - $0

0.11%0.07%0.05%0.01%

0.11%0.07%0.05%0.01%

Monthly

Statement Savings

$50

$25,000 & above$24,999-$5,000$4,999 - $300$299 - $0

0.04%0.02%0.01%0.01%

0.04%0.02%0.01%0.01%

Quarterly

Variable rate current as of 08/11/2014 and subject to change at any time.
Fees may reduce earnings. *APY = Annual Percentage Yield

Business Accounts

Account Type

Minimum Deposit to Open

Minimum Balance to Avoid Service Fees

Interest

Business Analysis Checking

$50

None

Earnings credit may offset fees

Basic Business Checking

$50

$5,000

Yes**

Salin Free Business Checking

$50

None

No

Premier Business Checking

$10,000

$10,000

Yes**

Premier Business Savings

$10,000

$10,000

Yes

Salin Business Savings

$10,000

$10,000

Yes

Statement Business Savings

$300

$300

Yes

Fees may reduce earnings.

Certificates of Deposit

Term

Minimum Deposit

Compounding

Rate

Annual Percentage Yield

3 Month

$1500

Maturity

0.07%

0.07%

6 Month

$1500

Maturity

0.11%

0.11%

8 Month

$1500

Maturity

0.11%

0.11%

12 Month

$1500

Annually

0.22%

0.22%

18 Month

$1500

Annually

0.25%

0.25%

24 Month

$1500

Annually

0.30%

0.30%

30 Month

$1500

Annually

0.35%

0.35%

36 Month

$1500

Annually

0.45%

0.45%

48 Month

$1500

Annually

0.60%

0.60%

60 Month

$1500

Annually

0.80%

0.80%

SPECIALS

16 Month

$1500

Annually

0.34%

0.34%

43 Month

$1500

Annually

1.10%

1.10%

Rates are effective 08/11/2014 and are subject to change. Substantial penalty for early withdrawal.

IRA Certificates of Deposit

Type

Minimum Deposit

Compounding

Rate

APY*

12 Month Fixed IRA

$1,500

Quarterly

0.22%

0.22%

36 Month Fixed IRA

$1,500

Quarterly

0.45%

0.45%

48 Month Fixed IRA

$1,500

Quarterly

0.60%

0.60%

60 Month Fixed IRA

$1,500

Quarterly

0.80%

0.80%

12 Month Fixed ROTH IRA

$1,500

Quarterly

0.22%

0.22%

36 Month Fixed ROTH IRA

$1,500

Quarterly

0.45%

0.45%

60 Month Fixed ROTH IRA

$1,500

Quarterly

0.80%

0.80%

18 Month Variable ROTH IRA

$1,500

Quarterly

0.25%

0.25%

12 Month Fixed Education IRA

$500

Quarterly

0.22%

0.22%

60 Month Fixed Education IRA

$500

Quarterly

0.80%

0.80%

Rates are effective 08/11/2014 and are subject to change. Substantial penalty for early withdrawal. *APY = Annual Percentage Yield

IRA Savings Account

Type

Minimum Deposit to Earn Rate

Compounding

Rate

APY*

IRA Savings Tier 1

$1 - $9,999

Quarterly

0.01%

0.01%

IRA Savings Tier 2

$10,000 - $24,999

Quarterly

0.01%

0.01%

IRA Savings Tier 3

$25,000 - $49,999

Quarterly

0.05%

0.05%

IRA Savings Tier 4

$50,000 - $99,999

Quarterly

0.07%

0.07%

IRA Savings Tier 5

$100,000 & Above

Quarterly

0.11%

0.11%

$50 minimum to open account

*Annual Percentage Yield (APY). Payments from your Salin IRA Savings Account are subject to federal income tax withholding, unless you elect no withholding. You may change your withholding election at any time prior to your receipt of a payment. Your withholding election does not affect the amount of income tax you pay. You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient. You may be required to pay estimated taxes even if you elect withholding. Rates may change after the account is opened. Fees may reduce earnings.

Home Equity Lines of Credit

Your home is an investment. Make the most of it with a home equity loan from Salin Bank. Use the money to make home improvements, take a family vacation, or pay for unexpected expenses.
We offer flexible and competitive rates and make the application process as easy as possible.

Home Equity Lines of Credit

Credit History

Rates *

EXCELLENT

Prime minus .26% to Prime plus 1.25%

GOOD

Prime plus .50% to Prime plus .75%

FAIR

Prime plus 1.00% to Prime plus 1.25%

Prime Rate is Currently:

3.25%

Personal Loans

Salin Bank is family owned and operated and that’s why we understand that families sometimes need a loan. Whatever your personal loan needs, Salin Bank is here to help. Our local bankers can show you how a personal loan can solve your financial needs without hurting your family’s budget. Use the money for any need, including:

Debt consolidation

Vacations

Unsecured

Personal Lines of Credit

Let the loan professionals at Salin Bank work with you now so you are not taken advantage of while shopping for your next car or boat. We can help you pre-determine what your budget should be and make the process much easier.

Home Equity Lines of Credit Disclosure

* Subject to credit approval. Minimum loan amount of $5,000. Rate is variable and is indexed to the Prime Rate as published in the "Money Rate" column of the Wall Street Journal. As of 5/29/2013, the Prime Rate is 3.25%. Your rate is based on your total loan-to-value (LTV) and credit qualifications and will range from a variable Annual Percentage Rate (APR) of Prime minus .26% to Prime + 1.75% APR. Monthly payments being auto debited from a Salin Bank deposit account, and a core deposit relationship is required in order to receive a Prime minus .26% APR. Your rate may increase or decrease over the term of the loan but cannot exceed 21.00% APR. No annual fee the first year, then $79 per year thereafter. Annual fee can be waived for the life of the loan by adding .50% to the rate. This offer applies to owner-occupied single family homes and condominiums only and we must be in first or second lien position. No closing costs. However, if the account is terminated within 36 months of the date of contract we will add a fee equal to $400 or 2% of the outstanding principal balance, whichever is less, except for refinances with Salin Bank. Property insurance, and in some cases flood insurance is required. LTV must not exceed 89.9%. Interest only payment option available. Interest only payments will not reduce principal and will result in a balloon payment at maturity. Salin Bank & Trust does not escrow for taxes and insurance on this loan. Interest may be tax deductible but check with your tax advisor regarding the deductibility of interest. Properties held in trust will require the trust agreement to be reviewed by third party legal counsel at your expense. You may fix all or a portion of your line at any time during the term of the line. The term of the locked portion of the line cannot exceed the maturity of the overall line. A $50 fixed rate lock fee for each rate lock applies. Rate lock terms are to be done in twelve (12) month increments. Up to three (3) fixed rate locks allowed. Minimum lock amount of $2,500. Fixed rate locks rates will be the Prime Rate as of the date the rate lock begins, plus a margin which will be determined based upon the period you want the rate lock to be in effect. Interest only payment rate locks available for up to seven (7) year terms. Salin Bank is an Equal Housing Lender and member FDIC.